National reach. All 50 states, every contractor market.

Yes. Because we're licensed nationwide, a single tools & equipment program can follow your gear across state lines — scheduled tools, mobile equipment, installation floaters, and equipment breakdown coordinated without gaps.

Yes. We have inland marine markets that write the high-theft regions — Texas, the Northeast, and storm-rebuild surge zones — and structure theft deductibles so you're protected without overpaying for the exposure.

Typically 15 minutes for a standard scheduled-tools program. Once bound, we turn around additional-insured certificates, schedules, and rental-yard endorsements usually within minutes — wherever you're working.

It can. Some regions carry higher theft class rates that influence premium and deductibles. We shop markets that write your region and structure theft deductibles so you're protected without overpaying for the exposure.

Most contractors pay $500-$2,500 a year for a scheduled tools floater, typically 1-3% of the total scheduled gear value, modified by deductible and theft-loss history. We quote the full program in about 15 minutes and show every market's price.

Yes. Contractors Choice Agency is licensed in all 50 states and writes tools & equipment programs for contractors from the highest-theft markets to the storm-rebuild surge zones.

About 15 minutes for a standard scheduled-tools program. Once bound, we turn around certificates, schedules, and additional-insured endorsements usually within minutes.

No. GL covers third-party injury and damage, not your own gear. Tools are covered under a tools & equipment (inland marine) floater — which is what we build to close the gap GL leaves open.

We write tools & equipment at replacement cost so stolen or destroyed gear is replaced new, not depreciated. ACV policies can pay pennies on the dollar for a $600 nailer — replacement cost keeps you working.

Yes — a scheduled tools floater covers theft from your truck, trailer, and jobsite, subject to the policy terms and deductible. Some policies carry a higher theft-from-unattended-vehicle deductible, which we review carefully.

Schedule anything of meaningful value — nail guns, miter and circular saws, lasers, generators, compressors, mobile equipment, and specialty gear. We help you build the schedule with make, model, serial number, and replacement value, and update it as you add gear.

Yes. High-value mobile equipment should be scheduled separately at agreed value so a total loss pays what it's really worth. Generic policies undervalue this gear — we list each unit individually.

Often, yes. We have excess-and-surplus (E&S) inland marine markets for contractors with loss runs, prior thefts, or cancellations that standard markets decline. Bring your loss runs and gear schedule.

If you haul material packages that could be lost, damaged, or stolen in transit or before installation, yes. An installation floater covers materials from the supplier's truck until they're installed and accepted — closing a real gap.

You reach a person with context, not a queue. We respond within 2 hours, help you document the loss (police report for theft, photos, schedule), and manage the claim with the carrier so it's paid correctly and you can replace gear fast.

Tools and equipment coverage lives in the inland marine market — a specialty class most generic agents don't understand. A specialty broker knows which carriers write scheduled gear at replacement cost and how to manage a tools-theft claim so it pays.